Medicare plans by county · CY2026
61 Medicare Plans in McHenry, Illinois
Contract year 2026 · CMS Medicare Landscape Files
61 Medicare plans are available in McHenry for 2026
Base monthly premiums range from $0.00 to $155.00. 44 plans have a $0.00 base premium.
Average CMS star rating: 3.5 stars (53 of 61 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
MA-PD (39 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Humana Gold Plus H1468-013 (HMO) H1468_013 | HMO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| AARP Medicare Advantage Essentials from UHC IL-8 (HMO-POS) H2802_024 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| AARP Medicare Advantage from UHC IL-0001 (HMO-POS) H2802_025 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $37.00 | 4 ★ |
| AARP Medicare Advantage from UHC IL-2 (HMO-POS) H2802_054 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) H2802_075 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| Clear Spring Health BrightPath Advantage (HMO) H3071_002 | HMO | Clear Spring Health Group 1001 | $0.00 | 3 ★ |
| Blue Cross Medicare Advantage Basic (HMO) H3822_001 | HMO | Blue Cross and Blue Shield of IL, NM Health Care Service Corporation | $0.00 | 3 ★ |
| Blue Cross Medicare Advantage Basic Plus (HMO-POS) H3822_007 | HMO-POS | Blue Cross and Blue Shield of IL, NM Health Care Service Corporation | $0.00 | 3 ★ |
| Blue Cross Medicare Advantage Premier Plus (HMO-POS) H3822_008 | HMO-POS | Blue Cross and Blue Shield of IL, NM Health Care Service Corporation | $83.00 | 3 ★ |
| HealthSpring Preferred (HMO) H4513_085 | HMO | HealthSpring Health Care Service Corporation | $0.00 | 4 ★ |
| HealthSpring Preferred Savings (HMO) H4513_086 | HMO | HealthSpring Health Care Service Corporation | $0.00 | 4 ★ |
| Zing Choice IL (HMO) H4624_001 | HMO | Zing Health Zing Health Consolidator, Inc | $0.00 | 2.5 ★ |
| HumanaChoice H5216-013 (PPO) H5216_013 | PPO | Humana Humana Inc. | $87.00 | 3.5 ★ |
| HumanaChoice H5216-251 (PPO) H5216_251 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Full Access H5216-412 (PPO) H5216_412 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Clear Spring Health BrightPath Advantage (HMO) H5454_002 | HMO | Clear Spring Health Group 1001 | $0.00 | — |
| Wellcare Simple Essential (HMO) H5779_002 | HMO | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Wellcare Simple Essential Value (HMO) H5779_009 | HMO | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Wellcare Giveback (HMO) H5779_010 | HMO | Wellcare Centene Corporation | $0.00 | 3 ★ |
| DEVOTED CHOICE 001 IL (PPO) H6545_001 | PPO | Devoted Health Devoted Health, Inc. | $0.00 | 3.5 ★ |
| DEVOTED CHOICE 010 IL (PPO) H6545_010 | PPO | Devoted Health Devoted Health, Inc. | $0.00 | 3.5 ★ |
| DEVOTED CORE 001 IL (HMO) H7151_001 | HMO | Devoted Health Devoted Health, Inc. | $0.00 | 4 ★ |
| DEVOTED GIVEBACK 003 IL (HMO) H7151_003 | HMO | Devoted Health Devoted Health, Inc. | $0.00 | 4 ★ |
| Aetna Medicare Enhanced (PPO) H7301_032 | PPO | Aetna Medicare CVS Health Corporation | $60.00 | 3.5 ★ |
| Aetna Medicare Signature (PPO) H7301_033 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 3.5 ★ |
| Humana Full Access H7617-009 (PPO) H7617_009 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| HumanaChoice H7617-018 (PPO) H7617_018 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| HealthSpring True Choice (PPO) H7849_002 | PPO | HealthSpring Health Care Service Corporation | $0.00 | 3 ★ |
| HealthSpring True Choice Savings (PPO) H7849_080 | PPO | HealthSpring Health Care Service Corporation | $0.00 | 3 ★ |
| Humana Gold Choice H8145-006 (PFFS) H8145_006 | PFFS | Humana Humana Inc. | $37.00 | 3.5 ★ |
| Blue Cross Medicare Advantage Secure (HMO) H8547_001 | HMO | Blue Cross and Blue Shield of Illinois Health Care Service Corporation | $0.00 | 3.5 ★ |
| Blue Cross Medicare Advantage Choice Plus (PPO) H8634_003 | PPO | Blue Cross and Blue Shield of IL, NM, OK, TX Health Care Service Corporation | $90.00 | 3 ★ |
| Blue Cross Medicare Advantage Choice Premier (PPO) H8634_004 | PPO | Blue Cross and Blue Shield of IL, NM, OK, TX Health Care Service Corporation | $155.00 | 3 ★ |
| Blue Cross Medicare Advantage Classic (PPO) H8634_008 | PPO | Blue Cross and Blue Shield of IL, NM, OK, TX Health Care Service Corporation | $0.00 | 3 ★ |
| Blue Cross Medicare Advantage Health Choice (PPO) H8634_018 | PPO | Blue Cross and Blue Shield of IL, NM, OK, TX Health Care Service Corporation | $0.00 | 3 ★ |
| Blue Cross Medicare Advantage Dental Premier (PPO) H8634_021 | PPO | Blue Cross and Blue Shield of IL, NM, OK, TX Health Care Service Corporation | $0.00 | 3 ★ |
| AARP Medicare Advantage from UHC IL-0004 (PPO) H8768_005 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $68.00 | 3.5 ★ |
| AARP Medicare Advantage from UHC IL-5 (PPO) H8768_010 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| HumanaChoice R5361-002 (Regional PPO) R5361_002 | Regional PPO | Humana Humana Inc. | $103.00 | 3 ★ |
SNP (15 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Aetna Medicare Prime Chronic Care (HMO C-SNP) H1206_004 | HMO C-SNP | Aetna Medicare CVS Health Corporation | $0.00 | — |
| Aetna Medicare Prime Chronic Total (HMO C-SNP) H1206_009 | HMO C-SNP | Aetna Medicare CVS Health Corporation | $15.20 | — |
| UHC Complete Care Support IL-1A (PPO C-SNP) H2001_038 | PPO C-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $15.20 | 4.5 ★ |
| UHC Complete Care Support IL-7 (HMO-POS C-SNP) H2802_067 | HMO-POS C-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $15.20 | 4 ★ |
| Molina Medicare Complete Care Plus (HMO D-SNP) H3093_005 | HMO D-SNP | Molina Healthcare of Illinois Molina Healthcare, Inc. | $0.00 | — |
| Provider Partners Illinois Advantage Plan (HMO I-SNP) H3800_001 | HMO I-SNP | Provider Partners Health Plans Rifkin Managed Care Holding, LLC | $15.20 | 4 ★ |
| Humana Dual Fully Integrated (HMO D-SNP) H4329_001 | HMO D-SNP | Humana Humana Inc. | $0.00 | — |
| Zing Essential Wellness Diabetes & Heart IL (HMO C-SNP) H4624_010 | HMO C-SNP | Zing Health Zing Health Consolidator, Inc | $0.00 | 2.5 ★ |
| Zing Select Diabetes & Heart Complete IL (HMO C-SNP) H4624_027 | HMO C-SNP | Zing Health Zing Health Consolidator, Inc | $0.00 | 2.5 ★ |
| Zing Select Dialysis IL (HMO C-SNP) H4624_029 | HMO C-SNP | Zing Health Zing Health Consolidator, Inc | $0.00 | 2.5 ★ |
| Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP) H5454_006 | HMO C-SNP | Clear Spring Health Group 1001 | $0.00 | — |
| Wellcare Meridian Dual Align (HMO D-SNP) H6971_001 | HMO D-SNP | Wellcare Centene Corporation | $14.20 | — |
| DEVOTED C-SNP PREMIUM 005 IL (HMO C-SNP) H7151_005 | HMO C-SNP | Devoted Health Devoted Health, Inc. | $15.20 | 4 ★ |
| DEVOTED C-SNP PLUS 006 IL (HMO C-SNP) H7151_006 | HMO C-SNP | Devoted Health Devoted Health, Inc. | $15.20 | 4 ★ |
| Aetna Medicare FIDE (HMO D-SNP) H9771_001 | HMO D-SNP | Aetna Medicare FIDE CVS Health Corporation | $15.20 | — |
MA (7 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) H5216_355 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Aetna Medicare Eagle (PPO) H5521_286 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Wellcare Patriot Giveback (HMO) H5779_011 | HMO | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Humana USAA Honor Giveback (PPO) H7617_022 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Blue Cross Medicare Advantage Protect (PPO) H8634_019 | PPO | Blue Cross and Blue Shield of IL, NM, OK, TX Health Care Service Corporation | $0.00 | 3 ★ |
| AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO) H8768_019 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (Regional PPO) R5361_001 | Regional PPO | Humana Humana Inc. | $0.00 | 3 ★ |
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not McHenry specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in McHenry, Illinois?
For contract year 2026, the CMS Medicare Landscape Files record 61 Medicare Advantage and Part D plans available in McHenry, Illinois. This count covers all contract types: SNP (15), MA-PD (39), MA (7).
What do Medicare plans cost in McHenry, Illinois?
Base monthly premiums for plans in McHenry range from $0.00 to $155.00 — 44 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in McHenry, Illinois rated?
CMS has assigned Overall star ratings (1–5 stars) to 53 of 61 plans in McHenry. The unweighted average overall star rating is 3.5 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget. 8 plans in this county do not have an overall CMS rating (typically PDP-only or newly contracted plans).
How do I enroll in a Medicare plan in McHenry, Illinois?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for McHenry, Illinois, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files